Electrolysis is still an option. It's not as fast as lasers but if you can only pay a little bit at a time it's a much easier method to pay-as-you-go. You should be able to find it for less than $50 an hour, and you get to start making progress toward transitioning while on a budget. On a side note, like you because of budget constraints I had my facial hair mostly gone before first seeing my psychiatrist...well, for gender issues anyway. Honestly, I think having done that showed him I was quite serious and informed, and made him less skeptical and more interested in helping me.